Magic. Financial SPRING. INFORMANT It s time to. Let Police FCU work on your Debt 6.74 % APR* INTO ACTION!

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6.74

%

APR*

Rates as low as

Let Police FCU work

Magic

on your Debt

A bill consolidation loan from Police FCU may be just the trick to turn your bills into one manageable payment! Don’t miss this opportunity now extended through April 30th.

Visit www.policefcu.com or call 301.817.1200

POLICE FEDERAL CREDIT UNION’S

Spring 2015

INFORMANT

Financial

1 APR = Annual Percentage Rate. Rates are subject to change without prior notice. Rates and terms are based on applicant(s) credit history. Your actual rate may

vary. Advertised rate reflects financing for 2009-2015 model year vehicles for up to a 72 month term, includes a 0.25% discount for Direct Deposit of $1,000, or more monthly, and automatic payments. Example: On a $20,000 auto loan, at 1.49% APR for 60 months, your monthly payments = $346.11. Certain restrictions apply. Other rates and terms available. Motorcycle loan rates are 1.00% above regular auto loan rates. Contact Police FCU for details. Current Police FCU loans not eligible for refinance. 2 Interest accrues from the date the loan is funded.

Your Quarterly Source to Patrol the Best in Financial Services

Your NEW CAR dreams will blossom with our extremely low rates!

New and Pre-owned Autos - 1.49% APR1

- Up to 72 mos. financing - No payment for 90 days2

- Refinancing available as low as

1.49%

APR

1

It’s time to

SPRING

INTO ACTION!

...

...

Apply online at www.policefcu.com or call us at 301.817.1200.

PLUS! Bill Consolidation Offer Extended Through April 30th!

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30 MONTH STEP-UP SHARE CERTIFICATE

Minimum Deposit: $500; a minimum of $500 must be maintained unless otherwise specified per promotional

terms. Dividend Rate and Frequency: 1.00% (1.00% APY) Dividends are compounded monthly. Dividend

Rate Step-up Feature: Member may request one (1) dividend rate change from the initial 1.00% certificate

dividend rate to the then current 24 month share certificate dividend rate for the remainder of the certificate term.

Term: 30 month Renewal upon maturity: Renew to current 24 month share certificate Penalty for Early

Withdrawal: The lesser of 180 days or all dividends since date of issuance. If dividends have been withdrawn,

the penalty will be deducted from principal.

Get more flexibility over a conventional share certificate in a volatile market with a Police

FCU Step-Up Share Certificate. If the rates go down, you’re protected because your

Police FCU Share Certificate continues to earn dividends at the same high rate. But with a Step-Up Share Certificate, if rates increase, you have the flexibility to “step up” to

a higher rate.

Step Up!

TO A BETTER RATE

Visit www.policefcu.com

or call 301.817.1200

Power up local savings and live concierge service at your fingertips. Just tap, show, and save all over town!

Features:

Simply call 1.866.329.7587 or register through the website at www.policefcu.com – click the Benefits Plus® Checking link.

New at Police FCU

• Nearly 300,000 discount participants • Restaurants, Shopping, Entertainment,

Health & Beauty, Automotive and Home & Garden

• Automatically searches for deals nearby or wherever you travel using your GPS location

• Just tap, show, and save all over town • eGift Cards sent immediately to your

mobile device for instant redemption

• Dining Dough program saves you up to 87% when dining out

• Actual savings are automatically calculated and displayed in My Savings

• Full Service Travel with discounts and rebates (Guaranteed Lowest Pricing) • Concierge services provided by

live representatives Savings At Your Service...

Download the FREE APP Today!*

*Standard data rates apply. Benefits Plus® membership required. Ask for details.

PERSONAL MOBILE

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How can signing up for e-Statements benefit you? As a member of Police FCU, you own the Credit Union. With e-Statements, you not only help reduce costs at your credit union, you also help save the environment and reduce paper clutter at home. So, those savings ultimately come right back to you!

Viewing your statement online is safe, easy, and green. You can always print paper

copies if you need them. Sign up today through Online Banking.

e-Statements

Police FCU has something for everyone, and we are dedicated to helping our members and their families at every phase of their financial life, that’s why membership is open to you and your family!

Like us in real life and come grow with us! Whether you or your family members need a convenient checking account, a first time auto loan, or a sound “home” for your savings, Police FCU is your best choice!

Share Us With Your Family!

What’s the top thing prospective college students are in search of? A scholarship, of course. Scholarships, or grants that offer full or partial financial help toward a student’s education, are given on the basis of achievement, such as above average academics or athletics. And with student loans increasing every year, it’s a no-brainer for college applicants to be looking for a way to decrease this amount when graduating.

Sometimes scholarships can be hard to come across, so the key is knowing where to look. So if you’re having a hard

time finding places to apply for scholarships, don’t fret. Here are some of the best places to find a scholarship:

The college you’re applying - It sounds obvious, but many prospective students don’t even think about inquiring at the college of their choice.

So if you’re applying at your dream college, it doesn’t hurt to give the financial aid officers a call and ask them about scholarship opportunities — they’re the ones with the most information about their particular institution, after all.

Community organizations - Ask about scholarships at your local church or civic area locations. Check out the local rotary or Lions, Eagles and Elks clubs.

It’s also possible that your neighborhood may be part of a community foundation or a Dollars for Scholars® chapter, which can offer many scholarship opportunities.

Family and friends - Maybe your parent’s employers provide an opportunity to apply for a scholarship. Or perhaps your friend works in an environment where they have access to scholarship prospects. Also, your high school guidance counselor is bound to have ideas and options on where

Top Places to Look for

Scholarships

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It’s never too early to start planning for your child’s financial future, and Police FCU can help.

A youth account is a great place for your young ones to manage money from summer jobs, allowance, birthday and other gift money. Now is a great time to teach your children about financial education, saving, spending, and budgeting. Parents, did you know: For your older children, 16 and 17 years of age, Police FCU offers a great way to prepare for the transition from high school to college. Consider setting up a Youth Checking Account here at the credit union.

A Police FCU youth checking account can help:

• Develop good money management habits • Financial responsibility • Get on the road to financial

independence

Contact the credit union about starting your child on the road to savings today!

Are you “wild about savings”? April is National Credit Union Youth Month™. Now is a great time to bring your young one in and introduce them to the Police FCU family. We’re here to help you launch the youth in your life toward financial independence, and here’s how:

Join. For starters, open a credit union savings account for each child in your family. As soon as your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions.

Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges—such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending.

Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help.

Our tradition of service and philosophy of self-help make Police FCU and all credit unions a natural partner in pursuing financial security.

National Credit Union

Youth Month™

Youth Accounts

Start Early and Teach Your Kids Financial Wellness opportunities might be available to you. Even throwing it out there on a Facebook status or in a tweet might help — you never know who’s reading your posts and who can offer help. In this day and age, it’s all about networking when it comes to scholarships, and you can never ask too many people for their help.

The Internet - There are a number of websites that can help you get started. For example, Zinch.com offers creative and fun scholarships that students can apply for. Fastweb.com is a great resource for not only monetary awards, but also services and tips on career planning. There’s also ScholarshipPoints.com,

which uses a rewards system to determine the types of scholarships users best qualify

for, as you earn points through a variety of activities. Not even

sure where you’re applying yet? Scholarships.com helps you narrow down scholarships and colleges

that work best for you and your personalized needs.

One important thing to keep in mind: You should never pay for scholarship advice.

“If you have to pay money to get money, it is probably a scam,” says Kantrowitz. “Never invest more than a postage stamp for information about scholarships or to apply for a scholarship.” Once you know how much more you’ll need, let us help you get the money you need for all of your educational needs.

We’re here to help.

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Police Federal Credit Union

Headquarters and Branch Office

9100 Presidential Parkway Upper Marlboro, MD 20772 PRESORT STANDARD US POSTAGE PAID ORLANDO, FL PERMIT #4825 WHAT’S INSIDE!

• Spring Into Action Auto Rates as low as 1.49% APR*

• Step Up To A Better Rate Share Certificate

• Introducing The Police FCU Personal Mobile Concierge

Holiday Closings

Visit www.policefcu.com for your nearest ATM or shared branch.

Memorial Day

Monday, May 25, 2015

Independence Day

Friday, July 3, 2015 (Observed) MD Drive-Up Services Only 8:30am-12:30pm

Saturday, July 4, 2015

National

Police Week

In Honor of Police Week

May 10-16 Police FCU supports our men and women of law enforcement. We want to take time and acknowledge your commitment to your community and thank you for

your service and sacrifice.

Reminders

Keep your information current. To avoid challenges in

contacting you, please don’t forget to let us know if you have updated your personal contact information – name, address, email, or phone number.

Got Coins? In the midst of Spring

cleaning and finding ready to

get rid of your spare coins? Bring them to our MD branch, get them counted for FREE, and deposit the funds into your account!

It’s time to

SPRING

INTO ACTION!

...

...

as low as

1.49%

APR

1

...

AUTO

RATES

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Police Federal Credit Union

Headquarters and Branch Office

9100 Presidential Parkway Upper Marlboro, MD 20772 Branch Hours: 9:00 a.m.–4:00 p.m., M-F Drive-Thru Hours: 8:00 a.m.–6:00 p.m., M-F;

8:30 a.m.–12:30 p.m., Sat.

Downtown DC Branch Office

300 Indiana Avenue NW, #4067 Washington, DC 20001 Branch Hours: 8:00 a.m.–3:00 p.m., M-F

Phone:301-817-1200

Audio Response – Banking By Phone: 301-817-1201

Fax:301-817-1230

Internet:www.policefcu.com

E-mail:Visit our website and click contact us. Please use the following address

for all correspondence:

Police Federal Credit Union 9100 Presidential Parkway Upper Marlboro, MD 20772 As of February 28, 2015 Membership ... 11,013 Assets .... $141,856,165 Shares ....$123,901,929 Loans ... $ 72,876,926 Police FCU by the numbers

Surcharge-Free ATM Locations

Holiday Closings

DC

First District – 101 M St., SW Third District – 1620 V St., NW Fourth District – 6001 Georgia Ave., NW Fifth District – 1805 Bladensburg Rd., NE Sixth District – 4201 Benning Rd., NE Seventh District –2455 Alabama Ave., SE

Henry J. Daly Building 300 Indiana Ave., NW

MD

Upper Marlboro Police FCU Building 9100 Presidential Pkwy.

Capitol Heights In the Hampton Mall, 9001 Central Ave.

Rt. 214, Exit 15B off I-495 Marlow Heights, 4003 Branch Ave.

164 Shared Branches in the MD/DC/VA area: MD - 47, DC - 25, VA - 88

Nationwide: 5,000 + Visit www.policefcu.com for your nearest ATM or shared branch.

Memorial Day

Monday, May 25, 2015

Independence Day

Friday, July 3, 2015 (Observed) MD Drive-Up Services Only 8:30am-12:30pm

Saturday, July 4, 2015

For current rates on Police FCU deposit and loan options, visit www.policefcu.com or call 301-817-1200 or 877-ARU-PFCU

(278-7328) toll-free.

Serving Your Needs. Protecting Your Future.

Police Federal Credit Union Members Save Big

with the Credit Union Member Discount

Save on your monthly wireless bills – plus have your activation and upgrade fees waived. Our members can save:

10% off* select personal Sprint plans • Waived upgrade fee • 15% off* select business Sprint plans • Available to new and • Waived activation fee on new activations existing Sprint customers

Consider the Sprint Credit Union Member Discount one of the many perks for being a member!

3 Ways to Get Your Discount:

• Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save

• Click LoveMyCreditUnion.org/Sprint

• Visit your nearest Sprint store

Stop overpaying for your wireless services, start saving with the Sprint Credit Union Member Discount today.

*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of

activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Sprig by CO-OP is a virtual

credit union wallet-combining all the

accounts you hold from any institution in the network together in one spot. It’s as convenient as a laptop or smartphone and accessible anytime, day or night. You’ll be able to access your accounts, make remote deposits, transfer between accounts, make person-to-person payments (in AND OUT of participating networks) -from virtually anywhere!

Check out our website for more details on when this will be available!

Discounts on car insurance for:

• Credit union member discount • Multi-car discount

• Anti-lock brakes

• Air bags, automatic seat belts

Plus you get:

• 24/7 claims service

• 24-hour Roadside Emergency Assistance coverage**

• Guaranteed repairs at network shops

TruStage™ Auto & Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Figure reflects average national savings for customers who switched to Liberty Mutual’s group auto and home program. Based on data collected between 9/1/2012 and 8/31/2013. Individual premiums and savings will vary. **Optional coverage. Requires the purchase of Towing and Labor coverage to cover cost of towing. Subject to policy limits. Emergency Roadside Assistance available anywhere in the U.S. and Canada.

AHL-977138.1

AUTO

INSURANCE

Call for your FREE, no obligation quote.

Toll-free

1-888-380-9287

Visit us at TruStageAutoHome.com

YOU COULD SAVE

UP TO $427.96* ON

CAR INSURANCE

Exclusively for credit union members

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